Note: Homebuyer financial assistance, home rehab subsidies and mortgage subsidies are all available to qualified applicants.

Steps to Homeownership

Determine if your income fits within our program limits (reference table above)

Determine if the homes available are right for your family size. Most of our homes are 2-3 bedrooms, 900-1200 square feet, one-story ranches), with the assumption that no more than two people will be in each bedroom. Read over the application guidelines here.

Gather all required documents for the application process (NOTE: documents are only good for six months, so do not gather required documents until you are ready to apply)

Submit county-specific loan application to CHN

*What is a soft second mortgage?

A soft-second mortgage will help lower your monthly mortgage payment by covering a large portion of your typical down payment. The amount of your soft-second mortgage is determined by the County within which you apply, based on calculations within the Federal guidelines. This mortgage is interest-free, and is not due until you sell your home, or when the home is no longer your primary residence (example: if you decide to rent out your home). This mortgage is not intended to cover the full price of your home; therefore you must seek an outside lender for your mortgage. While this process can be complicated, the instructors in our Financial Capabilities and Self-Sufficiency workshop will guide you through every step and can answer all of your questions.

How can I access this service?

At this time, we do not have any homes available for purchase. Please check back periodically as we anticipate new homes will become available in the future.